Seven criteria, each scored 0 to 100 on a published scale, weighted into one number.
59/100RyuScore 59 out of 100, Average
59
Today's price. Only valuation depends on it.
-50%-40%-30%-20%-10%today+10%+20%+30%
Average. Fair Isaac scores higher than 66% of the 1,794 companies Ryufin scores.
Carried by return on capital and return on new capital, held back by valuation and cycle position.
Technology median 43 · all companies 50
Valuation
26% of the score
1median 13
Fair Isaac is valued at 24.9x its operating profit, including debt: a rich multiple.
25x
20x
15x
10x
6x
24.9x
Full points at 6x or less, none from 25xfull points
Return on capital
18% of the score
100median 34
Over 7 years the business earned 41% a year after tax on the capital it uses.
2%
8%
15%
25%
41%
None at 2% or less, full points from 25%full points
Return on capital by year
7 years agolatest 60%
Return on new capital
16% of the score
100median 49
For every dollar of operating profit earned over 6 years, yearly profit grew by 12 cents. New capital earned 220%, and 5.5% of profit went back into the business.
-5%
12%
12%
None at minus 5 cents, full points from 12 centsfull points
Capital allocation
14% of the score
100median 64
How management spends the money: shares bought back or issued, and whether assets grow faster than the business they serve.
Share countDown 3.9% a year over 5 years: buybacks
100
5%
-3%
-3.9%
0 pointsfull points
Assets against salesAssets grew 3.1% a year, sales 9%
100
12%
-2%
-5.9%
0 pointsfull points
Cycle position
12% of the score
30median 62
Today's operating margin of 52% is 1.44x its normal 36%: near a peak, where margins tend to fall back. Normal is half the 10 year median, half the last four years, so a margin that has held is not taken for a peak.
2x
1.5x
1x
0.7x
1.4x
A trough earns points, a peak costs themfull points
Operating margin by year, against its normal level
10 years agonow 52%
Balance sheet
8% of the score
27median 50
What the debt weighs against the profit that has to carry it.
Net debt to EBITDA4.3x a year of EBITDA
6
4.5x
0.5x
4.3x
0 pointsfull points
Interest coverOperating profit covers interest 7x
49
1.5x
12x
6.6x
0 pointsfull points
Earnings quality
6% of the score
87median 90
Whether the reported profit arrives as cash, and whether the accounts show the usual signs of stretching.
Cash against profitOperating cash flow was 1.18x profit over 3 years
84
0.7x
1x
1.3x
1.2x
0 pointsfull points
AccrualsCash ran ahead of profit by 7.1% of assets
95
8%
0%
-8%
-7.1%
0 pointsfull points
Beneish M-score-2.65
82
-1.50
-1.78
-2.22
-3.00
-2.65
0 pointsfull points
How the RyuScore works
Each criterion earns 0 to 100 points on the scale drawn under it, and the RyuScore is their average weighted 26, 18, 16, 14, 12, 8 and 6. Scales bend in the company's favour between their ends, so an ordinary figure is never already near zero. Where a criterion cannot be measured from the filings it is taken out and the remaining weights scale up; a company needs 60% of the weight covered, and always a price, to get a score.
Built from the company's annual and quarterly filings with the SEC and today's share price. Banks, insurers and property trusts are not scored: their debt is their raw material, so these yardsticks mean something else there. Figures as of 2026-06-30, latest annual report FY2025.